How Your Living Expenses Can Impact Your Home Loan Application

Lenders consider a variety of factors when assessing your home loan application. Their aim is to ascertain if you're able to comfortably afford the potential loan repayments.

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Rentvesting 4 Things You Need To Know

Rentvesting – owning an investment property while renting a property in an area you want to live. This can be a great option for those where location & lifestyle are a priority for you, or perhaps even necessary for potential career advancements.

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Struggling To Get On The Property Ladder? 4 Alternative Ways To Home Ownership

For many New Zealanders owning your own home is the ultimate dream. However, for some potential home owners it can fell it it will only ever be a dream. With large deposits needed, rising house prices it can seem practically impossible to get into the property market.

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4 Ways You Can Help Your Kids Buy Their 1st Home

In this day & age it's not uncommon for 1st Home Buyers to need a helping hand to get into a home.

And often the first place they look for that help -  is the good old
'Bank of Mum & Dad'

If you're in the position to help them get a foot onto the property ladder (& want to of course) There are a few different ways to go about it.

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4 Signs You've Got The Right Mortgage Broker

Finding a mortgage broker can be a little daunting - they may have the right qualifications, great reviews, but can you really trust they'll do a great job for you? And exactly what does an ideal broker look like anyway?

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7 Things Your Mortgage Broker Wants You To Know

For many potential First Home Buyers, the current market climate is looking pretty appealing. With interest rates extremely low we’ve seen a definite step forward by those wanting to get on the property ladder.

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Looking To Buy? It's Not Always About the Money

Probably not something you'd hear from your local Real Estate agent - however as Mortgage Brokers we often get to see a different side to things.

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The OCR & How It Works

February saw a fair bit of talk around the OCR (Official Cash Rate) with an announcement to hold the rate at 1% again this month.

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There is an amazing amount of information on the web and you can Google almost anything with instant results.  But I thought it would be a good idea to introduce you to some specific websites which are very helpful when budgeting, building or purchasing a home. They all provide some great information and generally very easy to navigate around and understand

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Buying a Home with a Family Member or Friends

With the average house price in New Zealand being at least 6 times the average income and Auckland housing affordability around 9 times the average income, it may seem nearly impossible to live the dream of owning your own home.  However, over recent years we’ve seen a shift in the types of home loan applications we receive – with an increase in family members or friends purchasing homes together to get onto the property ladder.

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